35350 State Highway 36 EPaynes CreekCA96075
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Paynes Creek at 35350 State Highway 36 E, Paynes Creek, CA, 96075 projects strong ROI of -0.46%. Rental yield 0.89%. With 5% annual appreciation, the property builds $718,332 in value over five years. Equity growth combined delivers a projected five-year ROI of 10.29%, translating into $75,548 in total cumulative return on $734,500 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 6.2% |
| Monthly Cash Flow | $(14,146) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,938 |
| Total Monthly Debt Service | $15,050 |
| DSCR Ratio | 0.13x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96075, Paynes Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 97 (48.5%) |
| Renter Occupied HU | 37 (18.5%) |
| Vacant Housing Units | 66 (33.0%) |
| Median Home Value | $362,500 |
| Average Home Value | $411,314 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96075, Paynes Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 200 (100%) |
| Owner Occupied HU | 97 (48.5%) |
| Renter Occupied HU | 37 (18.5%) |
| Vacant Housing Units | 66 (33.0%) |
| Median Home Value | $362,500 |
| Average Home Value | $411,314 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Listed by: Todd Renfrew • California Outdoor Properties
Mls Name: My State MLS
Mls ID: #11555766